Frequently Asked Questions

A deductible is the amount you pay out-of-pocket in the event of a loss, and insurance covers the rest.

When setting up your policy with our agent, be sure to mention any valuable items you have. Our agent can then review your policy and recommend changes to ensure proper coverage for your valuables.

No. You do not need a new home appraisal during the renewal or coverage change process.

An Umbrella Policy provides additional liability insurance coverage, exceeding the limits of your current home or auto insurance. This extra layer of protection is crucial for individuals who may face legal action for damages to other people's property or injuries caused to others in an accident. Owning an Umbrella Policy is highly beneficial and essential for any personal lines policies.

Yes. According to studies, there is a direct correlation between credit scores and insureds getting into accidents and policy cancellations due to non-payments-making lower credit individuals susceptible to increased premium amounts.

Life insurance is not a mandatory requirement, but it is highly recommended for everyone. Having a life insurance policy offers several benefits, including replacement of lost income, payment of debts, covering final expenses, and providing an emergency fund for your surviving family. It can also help pay for your child's education and much more. Remember, life insurance is not for you, but for your family to help them in their time of grief.

Quick answer: YES!

Most people trying to obtain insurance need more than state minimum coverages. It's primarily dependent upon your current situation. If you finance your vehicle, you should not carry state minimum because the vehicle is not technically yours. Since it is not your vehicle until it is paid off through the lender, the lender has a vested interest in seeing that the value of the vehicle is protected. The same applies if you own your vehicle outright... You need more than state minimum coverage if you do not wish to bear the loss and financial burden of your vehicle.